State Bank of De Kalb
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by State Bank of De Kalb · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713120 | Amusement Arcades | 1 | $24K | $24K | 10.0% |
| 541620 | Environmental Consulting Services | 1 | $116K | $116K | 10.0% |
| 485510 | Charter Bus Industry | 1 | $20K | $20K | 10.0% |
| 322291 | Sanitary Paper Product Manufacturing | 1 | $28K | $28K | 10.0% |
| 813110 | Religious Organizations | 1 | $106K | $106K | 10.0% |
| 531210 | Offices of Real Estate Agents and Brokers | 1 | $40K | $40K | 10.0% |
Geographic Distribution
SBA lending activity for State Bank of De Kalb by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 9 | $505K | 90.0% |
| Oklahoma (OK) | 1 | $116K | 10.0% |
Why Choose State Bank of De Kalb?
Based on SBA 7(a) lending track record from 1996-2011
- ✓Proven Track Record: 10 SBA loans approved, totaling $620K in financing
- ✓Industry Expertise: Specialized focus on Amusement Arcades, Environmental Consulting Services, Charter Bus Industry
- ✓Competitive Terms: Average interest rate of 6.00% with flexible term lengths averaging 81 months
- ✓Loan Range: Loan sizes from $20K to $125K, with an average of $62K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, OK
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about State Bank of De Kalb SBA lending
What types of businesses does State Bank of De Kalb typically finance?
State Bank of De Kalb specializes in SBA 7(a) lending to specific industries including amusement arcades, environmental consulting services, charter bus industry, sanitary paper product manufacturing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are State Bank of De Kalb's typical SBA loan terms?
State Bank of De Kalb's SBA 7(a) loans typically feature an average interest rate of 6.00% and average term length of 81 months (approximately 7 years). Loan sizes range from $20K to $125K, with an average loan size of $62K.
Do I need a business valuation for a State Bank of De Kalb SBA loan?
Yes, State Bank of De Kalb typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does State Bank of De Kalb compare to other SBA lenders?
State Bank of De Kalb has originated 10 SBA loans totaling $620K since 1996. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does State Bank of De Kalb lend in?
State Bank of De Kalb provides SBA 7(a) financing with particularly strong presence in TX, OK. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
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